Is Bear a real town for insurance purposes?

Bear is a community in New Castle County rather than an incorporated town, and its mail goes to ZIP code 19701. For a quote, your street address and ZIP code are what count.

My home in Bear was built in the 1990s. Should I review my policy?

We would. Construction costs have changed a lot since then, and the coverage amount you started with may no longer match what it would cost to rebuild.

What is the minimum car insurance in Delaware?

Delaware requires liability coverage of $25,000 per person, $50,000 per accident, and $10,000 for property damage, plus personal injury protection of $15,000 per person and $30,000 per accident.

Delaware’s only GEICO Exclusive Agency

Car and Home Insurance in Bear, DE

Your local GEICO Exclusive Agency is about 20 minutes up Route 1.

Rather talk to someone? Call our office

Bear, Delaware

Close to home for families in Bear

Bear started as a small farm crossroads. Then, in the late 1980s and 1990s, housing developments and shopping centers filled in along Route 40. Today more than 22,000 people live here, and most of them get around by car.

That makes insurance in Bear pretty practical. You're usually thinking about insuring more than one car, keeping a house from that building boom in good shape and getting through traffic on Route 40. We're about nine miles away, so help is close.

We serve ZIP code 19701.

Brick row houses in New Castle, Delaware

Local numbers

Homes and households in Bear

The typical home in Bear was built around 1996, so many are reaching the age when roofs and major systems need work. About a third of households rent, about 71% of workers drive alone, and about one household in six has three or more vehicles.

Median year homes were built: 1996
Households that rent: 35%
Homes used seasonally: <1%
Workers who drive alone: 71%
Households with 3+ vehicles: 16%

Rounded estimates from the U.S. Census Bureau's American Community Survey, 2020–2024.

What matters most in Bear

Three things worth a second look if you live in the 19701 area.

Auto Insurance
More than one car
Route 40, Route 7, and Route 1 all meet here, and most people drive alone to work. If your household has two or three cars and a new driver, make sure everyone and everything is listed correctly on one policy.
Get an auto quote
Homeowners Insurance
Homes from the building boom
Many homes in Bear are now 30 years old or more, which is when roofs and major systems start to need work. It's a good moment to check your coverage and your deductible, before something goes wrong.
Get a homeowners quote
Renters Insurance
Apartments along Route 40
If you rent, your landlord's insurance generally won't replace your belongings after a fire or a break-in. Renters insurance can, and it's one of the simplest policies to set up.
Get a renters quote

Why call Anne Scharp Insurance from Bear?

From Bear, Delaware's only GEICO Exclusive Agency is a short drive away. That means GEICO's rates, with an office you can actually visit.

The only one in Delaware
Anne Scharp Insurance is the only GEICO Exclusive Agency in the state. It's what we do all day.
The same rates as GEICO.com
Working with us doesn't change your price. You get the same rates you'd find online, plus someone to call.
More than sixteen years
We have more than sixteen years of experience, an A+ from the BBB, and two GEICO Top Performer awards.

All coverage

Insurance we write for Bear

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Our office

Getting from Bear to our office

We are about nine miles from Bear, or about 20 minutes. Take Route 1 or Route 7 north.

We’re licensed in Delaware, Maryland, New Jersey, and Pennsylvania, and we have Spanish-speaking agents. Walk-ins are welcome during office hours.

FAQ

Insurance questions from Bear

Usually, yes, for cars in the same household. Call us with the vehicles and drivers, and we will take a look at how to set it up.

Last updated November 4, 2026. This page is general information, not advice about your own policy. What a policy covers depends on its terms, so call us before you rely on anything here.

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